| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 857117456 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $15K | $15K | 4.54% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 503020441 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.79% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 857117456 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $349 | $4K | 6.15% |
| ROGERS BENEFIT GROUP INC3 | 7310 N 16TH ST STE 226 PHOENIX, AZ 850208212 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.52% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 7310 N 16TH STE STE 226 PHOENIX, AZ 850208212 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.46% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 194222239 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $320 | $320 | 0.49% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 53 | $337K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $66K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $66K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.